但是，在银行卡给人们生活带来便利的同时，也面临着不少风险隐患。

本文首先对商业银行银行卡业务及其银行卡风险进行理论研究；其次，对
云南省银行卡发展现状进行分析和总结，揭示云南省银行卡业务风险防范存在
的问题和可能面临的风险损失；随后，以云南省 C 银卡为例，结合实例，深入
挖掘 C 银行在实际业务发展过程中所面临的风险问题，探索提高 C 银行在银行
卡业务发展过程中抵御风险的对策建议；最后，结合 C 银行的风险状况，从业
务的角度提出构建信用积分系统规划的基本路径。

通过本文的研究，借鉴国内外银行卡风险防范的先进技术和成功经验，通
过评分卡的运用，结合业务分析中判定出的主要风险点，已基本建立了银行卡
风险防范信用积分系统的基本框架和初期业务功能，以此作为 C 银行银行卡业
务防范过程中的辅助手段和其他业务发展的特色平台。

关键词：银行卡；风险防范；信用；积分系统Abstract
With the development of electronic finance, has become second only to cash
bank card second payment instruments. But, in the bank card brings convenience to
people's life, is also facing a lot of risks.
Firstly, the bank card business of commercial bank and the bank card risk
theoretical research; secondly, analyzing and summarizing the development status of
bank card in Yunnan Province, Yunnan province is revealed the bank card business
risk prevention problems and may face the risk of loss; then, taking Yunnan Province
as an example of C silver, with examples, in-depth mining risk the problems faced in
the practical business of C bank in the process of development, explore the
countermeasures and suggestions to improve the C bank risks in the bank card
business development process; finally, combined with the C risk profile of the bank
credit, put forward basic path integral system planning from the business point of
view.Through this study, to use the advanced technology and the successful
experience of domestic and foreign bank card risk prevention, through using the score
card, with the main risk points to determine the business analysis, has been basically
established the basic framework and the beginning of bank card industry to prevent
credit risk system service function, as our auxiliary means of bank card in the process
of business prevention and other business development platform.
Key words: bank card; Risk prevention; credit; integrating system